Gary, IN · Charter 3251
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
100
Profitability
9
Liquidity
47
Efficiency
4
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Gary, IN · Charter 3251
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.14% | -3.17% | -3.74% | -6.16% | -4.49% | -36 bps | |
| Return on Equity | -9.57% | -7.34% | -8.78% | -14.76% | -10.86% | -129 bps | |
| Net Interest Margin | 2.76% | 2.82% | 2.99% | 2.80% | 2.59% | -17 bps | |
| Efficiency Ratio | 249% | 212% | 225% | 307% | 266% | +1,680 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.39% | -2.87% | -3.55% | -4.76% | -4.53% | -214 bps | |
| Loan Growth (YoY) | 5.44% | -4.60% | -9.34% | -14.21% | -24.11% | -2,956 bps | |
| Share Growth (YoY) | 2.70% | 0.90% | 0.11% | -1.35% | -1.42% | -412 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.61% | 9.11% | 13.75% | 9.70% | 0.00% | -861 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 26.63% | 30.10% | 33.04% | 36.50% | 29.66% | +303 bps | |
| Capital | |||||||
| Risk-Based Capital | 43.24% | 43.18% | 42.63% | 41.75% | 41.39% | -185 bps | |
| Net Worth / Assets | 43.24% | 43.18% | 42.63% | 41.75% | 41.39% | -185 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.75% | 36.89% | 33.97% | 32.47% | 30.60% | -915 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gary, IN · Charter 3251 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
-4.45%
Rank 93 of 96
Net Interest Margin
2.64%
Rank 79 of 96
Efficiency Ratio
259%
Rank 93 of 96
Equity / Assets
41.35%
Rank 4 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.45% | -0.02% | 0.42% | 1.03% | Beats 3% | 93 / 96 | |
| Return on Equity | -10.76% | -0.11% | 2.94% | 6.89% | Beats 7% | 88 / 95 | |
| Net Interest Margin | 2.64% | 3.01% | 3.57% | 4.27% | Beats 18% | 79 / 96 | |
| Efficiency Ratio | 259% | 73.45% | 82.91% | 96.61% | Beats 4% | 93 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.86% | 1.63% | Beats 100% | 20 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 41.35% | 11.79% | 15.23% | 18.93% | Beats 96% | 4 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 41.35% | 11.79% | 15.23% | 18.93% | Beats 96% | 4 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 30.62% | 32.14% | 50.03% | 67.81% | 23rd pctl | 74 / 96 | |
| Loans / Assets | 17.96% | 23.12% | 42.50% | 56.24% | 14th pctl | 83 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||